The Hidden Financial Trap
The Retirement
Gap
The hidden financial trap that destroys the retirement plans of most business owners
Most business owners believe selling their company will secure their future.
In reality, many discover too late that selling their greatest income-producing asset can dramatically reduce their income for the rest of their lives.
Scenario
The £425,000
Mistake
Imagine your business generates £500,000 per year.
After years of hard work you sell it for £1.5 million.
Sounds like success.
But after fees, taxes and sensible investment returns, your £1.5 million may only generate
£75,000
per year.
You haven't secured your future.
You've taken a £425,000 annual pay cut.
Forever.
Average reduction in income after a sale
Owners regret selling their business
Businesses fail within 12 months after being sold
Source: Industry research and exit planning studies
The Truth About Exit Planning
The Biggest Lie In
Exit Planning
Most owners believe the goal is to sell their business.
It isn't.
The real goal is to maintain or improve your income after you've stepped away.
For many owners, selling achieves the exact opposite.
The Cause
Why The Retirement
Gap Happens
The Retirement Gap exists because business owners exchange a high-performing income-producing asset for lower-yield investments.
The problem is made worse when the business depends heavily on the owner.
If circumstances force a sale before the business can operate independently, the financial consequences can be severe.
Urgency
Time Is Not On
Your Side
Every year you remain the key person in your business, your options become more limited.
Suddenly the business must be sold rather than being sold by choice.
That's when the Retirement Gap becomes unavoidable.
Don't Sell Your
Income. Keep It.
Most exit strategies focus on selling your business. We focus on making your business work without you.
Calculator
Retirement Gap
Calculator
See what selling your business could really cost you
Annual business earnings (EBITDA) — before interest, tax, depreciation and amortisation
Typical range: 2x–5x for most UK businesses. Owner-dependent businesses often sell for less.
Even investing 100% of your sale proceeds at 5% return, you replace a high-performing asset with a fraction of its income.
Based on 100% of sale proceeds invested at 5% annual return after fees and taxes. Multiples typically reflect asset value already. Does not include net asset value.
The Solution
Close The
Retirement Gap
Within months, we help you build the systems, structure and leadership required for the business to operate without them.
Instead of selling your income, you retain it.
Instead of relying on investment returns, you continue receiving dividends from a business that works without your daily involvement.
In many cases, owners maintain or exceed their previous income while dramatically reducing their responsibilities.
Discover Your
Retirement Gap
Most business owners never calculate the true cost of selling their business.
Find out where you stand before it's too late.